I came across this from writings by Brian Tracy ( Inspirational Motivator) and wanted to share it.

Why People Retire PoorThere are two main reasons why people retire poor. First, they never decide to retire rich. They wish and hope and pray, but they never make a firm, unequivocal decision that they’re going to do it. Second, even if they do decide to retire rich, they procrastinate until it’s too late. They always have some good reason for putting it off.